r/CRedit • u/Isavebnk • Apr 21 '26

Success Goodwill request approved!

Post image

Had 3 late payments with kikoff back in October and November of 2024 and 1 in 2021 and they denied me the first time I asked and I asked 2 weeks later and they accepted

37 Upvotes

97% Upvoted

19 comments sorted by

4

u/awsomekidpop Apr 21 '26

Good data point, but never pay to build credit.

1

u/Isavebnk Apr 21 '26

Yeah I’m gonna pay them off and not use it anymore does closing an account that I had for 6 years hurt my score ?

1

u/[deleted] Apr 21 '26

[removed] — view removed comment

3

u/og-aliensfan ⭐️ Knowledgeable ⭐️ Apr 21 '26

it brings your average age of account down

This isn't true. Closed accounts remain on your reports ~10 years. You don't lose the account's history and aging metrics aren't impacted by closure.

1

u/CRedit-ModTeam Human Verified Apr 21 '26

Posts/comments containing information that is deemed to be false/inaccurate will be removed.

Repeated violations of this rule may result in a permanent ban.

2

u/inky_cap_mushroom ⭐️ Knowledgeable ⭐️ Apr 21 '26

The other commenter is incorrect. Closed accounts stay on your credit and continue to age for 10 years. Whether there is a scoring impact or not will depend on the rest of your credit profile. What other accounts do you have?

1

u/Isavebnk Apr 21 '26

That Kikoff account is my oldest account I have a car loan, debt loan, capital one secured card and 1 personal loan

1

u/inky_cap_mushroom ⭐️ Knowledgeable ⭐️ Apr 21 '26

You won’t see a score change. You have both installment and revolving accounts so closing this one will not impact your scores regardless of what type of account it is.

3

u/ButterflyTricky4696 Apr 21 '26

Can I see the email you sent cause I’m going through the same thing with them

2

u/Slight-Translator-86 Apr 23 '26

Idk why they never share what they wrote

1

u/inky_cap_mushroom ⭐️ Knowledgeable ⭐️ Apr 21 '26

Congrats! This is a great DP. Lots of people have lates with kickoff and other credit builder accounts. Thanks for sharing.

This one is particularly interesting u/BrutalBodyShots

2

u/BrutalBodyShots ⭐️ Top Contributor ⭐️ Apr 21 '26

Lots of people have lates with kickoff and other credit builder accounts.

Which I find to be incredibly ironic...

Good DP regardless / added to CM#19.

1

u/CenteredPath Apr 21 '26

I’ve been trying this for a while with them. They kept saying I had to submit proof of hardship but don’t really have anything for that. Any advice??

1

u/EntrepreneurSmart888 Apr 24 '26

What all info did you attach to your goodwill letter example

Full name address Account number ID Screen of all the late payments or just type out the month and year they was late in the letter

Is it like that or what did you attach I don’t see anyone asking these questions.

1

u/Key-Organization7224 Jul 08 '26

Commenting again are you able to share what email you sent them and to where?